a non-operating holding company and a parent company of the financial business group, the financial business group consists of the following companies;  LH Financial Group Public Company Limited

Management’s Discussion and Analysis Ocean Glass Public Company Limited Management’s Discussion and Analysis Performance for the Period Ended December 31, 2017 Operating Results For the year 2017, the Company

warrants exercise  LTM 3Q18 Operating Cash Flow of $1,037 million  Net Operating D/E ratio 0.53x; Rating Upgrade to AA- with “Stable Outlook”  2019 Guidance reaffirmed; attractive and accretive production

administrative expenses to operating revenue, and tax benefits from BOI.  Operating revenue continued to show growth compared to 9M/2018, mainly driven by 4 key growth drivers including “Younique Customized

Discussion & Analysis Q3/2021 Operating Highlights in Q3/2021 Q3/20 Q3/21 Change +/(-) 9M/20 9M/21 Change +/(-) (THB million) %YoY %YoY Operating Revenue 198 115 (42%) 561 431 (23%) Gross Profit 124 60 (52

will affect labor intensive industries such as textiles and garments, apparel, leather products and wooden products and furniture. Businesses operating in these sectors must increase their productivity

-1- AIT (VP-SEC) 022E/2022 August 11, 2022 Subject: Management's Discussion and Analysis of Operating Results for Q2-2022 To: The President of the Stock Exchange of Thailand Summary of Operations Q1

ที่ จท หนังสือชี้ชวนส่วนรับรองความถูกต้องครบถ้วน กองทุนเปิดไทยพาณิชย์ Innovation SCB Innovation (SCBINNO) “บริษัทจัดการกองทุนรวมได้สอบทานข้อมูลในหนังสือชี้ชวนฉบับนี้ด้วยความระมัดระวังในฐานะ ผู้รับผิด

หนงัสอืชีช้วนสว่นรบัรองความถกูตอ้งครบถว้น กองทนุเปิดไทยพาณิชย ์Fintech Innovation

The Securities and Exchange Commission (SEC), represented by Ms. Jomkwan Kongsakul, Deputy Secretary-General, and Mrs. Butree Vangsirirungruang, Director of the Digital Financial Innovation